NORFOLK/PORTSMOUTH, VA · MHA VA298 · effective January 1, 2026
Naval Station Norfolk BAH Rates 2026
Official 2026 Basic Allowance for Housing rates for Naval Station Norfolk, which falls in the Norfolk/Portsmouth, VA housing area (VA298). An E-5 with dependents receives $2,430 per month here ($1,908 without dependents).
That is about 9% above the $2,225 average across all 338 military housing areas, ranking 102 of 338. BAH is tax-free, and most members also draw BAS at $476.95/month (enlisted).
E-4 with dependents
$2,229/mo
$1,707 without
E-5 with dependents
$2,430/mo
$1,908 without
E-6 with dependents
$2,559/mo
$2,043 without
E-7 with dependents
$2,604/mo
$2,235 without
O-1 with dependents
$2,454/mo
$2,022 without
O-3 with dependents
$2,694/mo
$2,505 without
2026 BAH rates at Naval Station Norfolk — all pay grades
Monthly, tax-free. O-1E/O-2E/O-3E are officers with prior enlisted service.
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $2,229 | $1,707 |
| E-2 | $2,229 | $1,707 |
| E-3 | $2,229 | $1,707 |
| E-4 | $2,229 | $1,707 |
| E-5 | $2,430 | $1,908 |
| E-6 | $2,559 | $2,043 |
| E-7 | $2,604 | $2,235 |
| E-8 | $2,661 | $2,463 |
| E-9 | $2,796 | $2,487 |
| W-1 | $2,574 | $2,166 |
| W-2 | $2,628 | $2,460 |
| W-3 | $2,697 | $2,496 |
| W-4 | $2,832 | $2,562 |
| W-5 | $3,000 | $2,616 |
| O-1E | $2,613 | $2,427 |
| O-2E | $2,685 | $2,481 |
| O-3E | $2,859 | $2,547 |
| O-1 | $2,454 | $2,022 |
| O-2 | $2,556 | $2,367 |
| O-3 | $2,694 | $2,505 |
| O-4 | $3,054 | $2,601 |
| O-5 | $3,318 | $2,625 |
| O-6 | $3,342 | $2,673 |
| O-7 | $3,366 | $2,718 |
| O-8 | $3,366 | $2,718 |
| O-9 | $3,366 | $2,718 |
| O-10 | $3,366 | $2,718 |
Need a different location? Use the BAH calculator to look up any US ZIP code.
Which ZIP codes get the Naval Station Norfolk rate
Housing area VA298 covers 67 ZIP codes. If your duty station falls in any of them you receive the rates on this page, whatever your home address. At this location the with-dependents rate runs 27% above the without-dependents rate, and pay grades span $2,229 to $3,366 per month.
ZIP codes in VA298
23320, 23321, 23322, 23323, 23324, 23325, 23326, 23327, 23328, 23432, 23433, 23434, 23435, 23436, 23437, 23438, 23439, 23450, 23451, 23452, 23453, 23454, 23455, 23456, 23457, 23458, 23459, 23460, 23461, 23462, 23463, 23464, 23465, 23466, 23467, 23471, 23479, 23501, 23502, 23503, 23504, 23505, 23506, 23507, 23508, 23509, 23510, 23511, 23513, 23514, 23515, 23517, 23518, 23519, 23523, 23529, 23541, 23551, 23701, 23702 … and 7 more
Not listed? Look up any US ZIP with the BAH calculator.
Installations with similar BAH to Naval Station Norfolk
An E-5 with dependents draws $2,430/month here — $29,160 a year, tax-free. These bases pay closest to the same:
| Installation | Area | E-5 w/ dependents |
|---|---|---|
| Naval Station Norfolk | Norfolk/Portsmouth, VA | $2,430 |
| Eglin AFB | Eglin AFB, FL | $2,433 |
| Fort Wainwright | Fairbanks, AK | $2,436 |
| Naval Base Kitsap | Bremerton, WA | $2,364 |
| Fort Carson | Colorado Springs, CO | $2,358 |
What these rates mean at Naval Station Norfolk
Your BAH is fixed by your duty-station ZIP code, pay grade and dependency status — not by your actual rent or where in the area you choose to live. Everyone assigned to Naval Station Norfolk at the same grade and dependency status receives the identical amount, so housing cheaper than your allowance leaves money in your pocket, and anything above it comes out of your own.
Rates are re-set every January from fresh local rental surveys. Individual rate protection means your BAH will not fall while you stay at Naval Station Norfolk in the same grade with the same dependency status, even if the published rate for the area drops.
To see BAH alongside basic pay and BAS for your total monthly compensation, use the military pay calculator, or check basic pay by rank on the 2026 military pay chart.
Frequently asked questions
What is the BAH rate at Naval Station Norfolk in 2026?
An E-5 with dependents assigned to Naval Station Norfolk receives $2,430 per month in 2026, or $1,908 without dependents. Naval Station Norfolk sits in the NORFOLK/PORTSMOUTH, VA military housing area (VA298). Rates vary by pay grade — the full table is on this page.
Is BAH at Naval Station Norfolk higher or lower than average?
For an E-5 with dependents, Naval Station Norfolk pays $2,430 against a $2,225 average across all 338 housing areas — about 9% above the national mean, ranking 102 of 338 areas.
Does BAH at Naval Station Norfolk depend on where I actually live?
No. Your BAH is set by your duty-station ZIP code, not your home address, so everyone assigned to Naval Station Norfolk at the same grade and dependency status receives the same rate. If you rent for less than your BAH you keep the difference; if you spend more, you cover it.
BAH rates at other installations
Source
Rates are the 2026 tables published by the Defense Travel Management Office for military housing area VA298 (NORFOLK/PORTSMOUTH, VA), effective January 1, 2026. Installation-to-area mapping uses the official DTMO ZIP file (duty-station ZIP 23511). This page is for estimation; your finance office is the authority on your entitlement.